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Credit card Suggestion

Hey experienced credit card users, need suggestions please

Here are the details of the cards with fees:

  1. SBI CASHBACK
    • Annual Fee: INR 999 + GST
    • Usage: Online purchases of 70k this month
    • Plan to cross 2 lakh spend waiver as the card was received this month
  2. SBI PRIME Card
    • Annual Fee: INR 3000 + GST
    • Already spent 3 lakhs, which was waived
    • Being kept for lounge access, with the plan to close it next year
  3. Axis Vistara
    • Annual Fee: INR 1500 + GST
    • Keeping it for two flight tickets on spends till 1.25 lakhs
    • Was able to use this year's flights and has a 10% reward rate till 1.25 lakhs
  4. Axis Atlas
    • Annual Fee: INR 5000 + GST
    • Purpose: Travel spends
    • Used it till 3.5 lakhs this year, with plans for an international trip
    • Expected to reach 7.5 lakhs, which would result in an approximately 25k Atlas EdgeMile and approximately 90k Accor Point stay
  5. Axis Airtel
    • Annual Fee: INR 500 + GST
    • Main usage: Airtel wifi recharges and 10% off on utility bill payments, primarily for electricity
  6. HDFC Millenia
    • Lifetime free
    • Occasional to minimal use, to be used when the limit of the SBI cashback card is reached for the month
  7. HDFC Tata Neu Infinity
    • First-year-free, then INR 1499 + GST
    • Has a spend-based waiver of 3.5 lakhs
    • Main usage: UPI spends of 5k per month, zudio spends, and parents' health insurance
    • Considered a 'stupid call,' but received 2k neu points on simple ordering
    • Uncertainty about keeping it, may close it after year 1
The total annual fees for all the cards amount to INR 14750. The biggest uncertainties lie with the Axis Airtel and HDFC TATA Neu Infinity cards, and the decision has been made to definitely close the SBI prime card.
 
Need advice regarding my credit cards...which should I close/upgrade nd add in my portfolio...

I have 8 credit cards in my portfolio..


1. Amazon pay icici card (visa)

2 . Icici mmt (visa) platinum

3. Icici coral (rupay) credit card

4. Sbi simply click (visa)

5. Hdfc business regalia (visa)

6. Hdfc Tata neu infinity (rupay select)

7. Kotak league (visa) card

8. Au xcite Ace card (visa)

Plse suggest...
 
I did not get what suggestion do you need. Do you want to know which more cards to close from these ones to reduce the overall credit card fees you are paying per year?
 
Hey experienced credit card users, need suggestions please

Here are the details of the cards with fees:

  1. SBI CASHBACK
    • Annual Fee: INR 999 + GST
    • Usage: Online purchases of 70k this month
    • Plan to cross 2 lakh spend waiver as the card was received this month
  2. SBI PRIME Card
    • Annual Fee: INR 3000 + GST
    • Already spent 3 lakhs, which was waived
    • Being kept for lounge access, with the plan to close it next year
  3. Axis Vistara
    • Annual Fee: INR 1500 + GST
    • Keeping it for two flight tickets on spends till 1.25 lakhs
    • Was able to use this year's flights and has a 10% reward rate till 1.25 lakhs
  4. Axis Atlas
    • Annual Fee: INR 5000 + GST
    • Purpose: Travel spends
    • Used it till 3.5 lakhs this year, with plans for an international trip
    • Expected to reach 7.5 lakhs, which would result in an approximately 25k Atlas EdgeMile and approximately 90k Accor Point stay
  5. Axis Airtel
    • Annual Fee: INR 500 + GST
    • Main usage: Airtel wifi recharges and 10% off on utility bill payments, primarily for electricity
  6. HDFC Millenia
    • Lifetime free
    • Occasional to minimal use, to be used when the limit of the SBI cashback card is reached for the month
  7. HDFC Tata Neu Infinity
    • First-year-free, then INR 1499 + GST
    • Has a spend-based waiver of 3.5 lakhs
    • Main usage: UPI spends of 5k per month, zudio spends, and parents' health insurance
    • Considered a 'stupid call,' but received 2k neu points on simple ordering
    • Uncertainty about keeping it, may close it after year 1
The total annual fees for all the cards amount to INR 14750. The biggest uncertainties lie with the Axis Airtel and HDFC TATA Neu Infinity cards, and the decision has been made to definitely close the SBI prime card.
Close: SBI Prime, Axis Vistara, HDFC Tata Neu Infinity.
 
I did not get what suggestion do you need. Do you want to know which more cards to close from these ones to reduce the overall credit card fees you are paying per year?
My all cards are ltf...I want suggestion which cards should I close...nd which card should I upgrade...nd which new cards to be add in my portfolio...I prefer cashback cards..
 
Need advice regarding my credit cards...which should I close/upgrade nd add in my portfolio...

I have 8 credit cards in my portfolio..


1. Amazon pay icici card (visa)

2 . Icici mmt (visa) platinum

3. Icici coral (rupay) credit card

4. Sbi simply click (visa)

5. Hdfc business regalia (visa)

6. Hdfc Tata neu infinity (rupay select)

7. Kotak league (visa) card

8. Au xcite Ace card (visa)

Plse suggest...
Close Icici mmt (visa) platinum, Hdfc Tata neu infinity (rupay select), Kotak league (visa) card, Au xcite Ace card (visa), Hdfc business regalia (visa), Icici coral (rupay) credit card

Add: Axis Airtel and SBI Cashback
 
@Riya Sharma what is the idealogy behind your suggestion to close infinity card? Isn’t it one of the most rewarding cards with spend as low as 34 rupees? Trying to understand…
to get better pre-approved offer from HDFC. And unless this guy is spending more than 1.5-2 lakh on UPI there is no benefit in paying fees for that card.
 
Hey experienced credit card users, need suggestions please

Here are the details of the cards with fees:

  1. SBI CASHBACK
    • Annual Fee: INR 999 + GST
    • Usage: Online purchases of 70k this month
    • Plan to cross 2 lakh spend waiver as the card was received this month
  2. SBI PRIME Card
    • Annual Fee: INR 3000 + GST
    • Already spent 3 lakhs, which was waived
    • Being kept for lounge access, with the plan to close it next year
  3. Axis Vistara
    • Annual Fee: INR 1500 + GST
    • Keeping it for two flight tickets on spends till 1.25 lakhs
    • Was able to use this year's flights and has a 10% reward rate till 1.25 lakhs
  4. Axis Atlas
    • Annual Fee: INR 5000 + GST
    • Purpose: Travel spends
    • Used it till 3.5 lakhs this year, with plans for an international trip
    • Expected to reach 7.5 lakhs, which would result in an approximately 25k Atlas EdgeMile and approximately 90k Accor Point stay
  5. Axis Airtel
    • Annual Fee: INR 500 + GST
    • Main usage: Airtel wifi recharges and 10% off on utility bill payments, primarily for electricity
  6. HDFC Millenia
    • Lifetime free
    • Occasional to minimal use, to be used when the limit of the SBI cashback card is reached for the month
  7. HDFC Tata Neu Infinity
    • First-year-free, then INR 1499 + GST
    • Has a spend-based waiver of 3.5 lakhs
    • Main usage: UPI spends of 5k per month, zudio spends, and parents' health insurance
    • Considered a 'stupid call,' but received 2k neu points on simple ordering
    • Uncertainty about keeping it, may close it after year 1
The total annual fees for all the cards amount to INR 14750. The biggest uncertainties lie with the Axis Airtel and HDFC TATA Neu Infinity cards, and the decision has been made to definitely close the SBI prime card.
My all cards are ltf...I want suggestion which cards should I close...nd which card should I upgrade...nd which new cards to be add in my portfolio...I prefer cashback cards..

Post in thread 'Please suggest me my 10th credit card' https://www.technofino.in/community/threads/please-suggest-me-my-10th-credit-card.15522/post-286612
 
Need advice regarding my credit cards portfolio...which should I close/upgrade nd add in my portfolio...
I have 16 credit cards in my portfolio..

1. Amazon pay icici card (visa) - LTF
2 . Icici mmt (visa) platinum - LTF
3. Icici coral (rupay) card - LTF
4. Icici saphhiro (master card) - FYF
5. Icici saphhiro (amex card) - FYF
6. Sbi simply click (visa) - FEE WAIVE ONCALL
7. Hdfc business regalia (visa) - LTF
8. Hdfc Tata neu infinity (rupay select) - LTF
9. HDFC PIXAL PLAY (VISA) - LTF
10. HDFC SWIGGY (MASTERCARD) - LTF
11. Axis Neo ( mastercard) - LTF
12. Kotak league (visa) card - LTF
13. Au xcite Ace card (visa) - LTF
14.Indusind legend (visa signature) - LTF
15. IDFC SELECT (MASTER) - LTF
16. IDFC POWER PLUS(RUPAY SELECT)- 499+



Plse suggest me which cards should I permanently close
 
Need advice regarding my credit cards portfolio...which should I close/upgrade nd add in my portfolio...
I have 16 credit cards in my portfolio..

1. Amazon pay icici card (visa) - LTF
2 . Icici mmt (visa) platinum - LTF
3. Icici coral (rupay) card - LTF
4. Icici saphhiro (master card) - FYF
5. Icici saphhiro (amex card) - FYF
6. Sbi simply click (visa) - FEE WAIVE ONCALL
7. Hdfc business regalia (visa) - LTF
8. Hdfc Tata neu infinity (rupay select) - LTF
9. HDFC PIXAL PLAY (VISA) - LTF
10. HDFC SWIGGY (MASTERCARD) - LTF
11. Axis Neo ( mastercard) - LTF
12. Kotak league (visa) card - LTF
13. Au xcite Ace card (visa) - LTF
14.Indusind legend (visa signature) - LTF
15. IDFC SELECT (MASTER) - LTF
16. IDFC POWER PLUS(RUPAY SELECT)- 499+



Plse suggest me which cards should I permanently close


: )
 
Hey experienced credit card users, need suggestions please

Here are the details of the cards with fees:

  1. SBI CASHBACK
    • Annual Fee: INR 999 + GST
    • Usage: Online purchases of 70k this month
    • Plan to cross 2 lakh spend waiver as the card was received this month
  2. SBI PRIME Card
    • Annual Fee: INR 3000 + GST
    • Already spent 3 lakhs, which was waived
    • Being kept for lounge access, with the plan to close it next year
  3. Axis Vistara
    • Annual Fee: INR 1500 + GST
    • Keeping it for two flight tickets on spends till 1.25 lakhs
    • Was able to use this year's flights and has a 10% reward rate till 1.25 lakhs
  4. Axis Atlas
    • Annual Fee: INR 5000 + GST
    • Purpose: Travel spends
    • Used it till 3.5 lakhs this year, with plans for an international trip
    • Expected to reach 7.5 lakhs, which would result in an approximately 25k Atlas EdgeMile and approximately 90k Accor Point stay
  5. Axis Airtel
    • Annual Fee: INR 500 + GST
    • Main usage: Airtel wifi recharges and 10% off on utility bill payments, primarily for electricity
  6. HDFC Millenia
    • Lifetime free
    • Occasional to minimal use, to be used when the limit of the SBI cashback card is reached for the month
  7. HDFC Tata Neu Infinity
    • First-year-free, then INR 1499 + GST
    • Has a spend-based waiver of 3.5 lakhs
    • Main usage: UPI spends of 5k per month, zudio spends, and parents' health insurance
    • Considered a 'stupid call,' but received 2k neu points on simple ordering
    • Uncertainty about keeping it, may close it after year 1
The total annual fees for all the cards amount to INR 14750. The biggest uncertainties lie with the Axis Airtel and HDFC TATA Neu Infinity cards, and the decision has been made to definitely close the SBI prime card.
Ask SBI to make one of card LTF
Decide for Axis, i already closed all my axis cards
For tata neu infinity if you want to keep then you have to spend


I have optimised my cards and now its limited to
HDFC Regalia Gold LTF
HDFC Tata Neu Infinity RUPAY LTF
Amazon Pay ICICI LTF
ICICI Coral RUPAY LTF
IDFC SELECT LTF
SBI Cashback paid (fees waived off on demand last year)

Now thinking of getting upgrade to IDFC Wealth or closing IDFC cards.
 
Need advice regarding my credit cards portfolio...which should I close/upgrade nd add in my portfolio...
I have 16 credit cards in my portfolio..

1. Amazon pay icici card (visa) - LTF
2 . Icici mmt (visa) platinum - LTF
3. Icici coral (rupay) card - LTF
4. Icici saphhiro (master card) - FYF
5. Icici saphhiro (amex card) - FYF
6. Sbi simply click (visa) - FEE WAIVE ONCALL
7. Hdfc business regalia (visa) - LTF
8. Hdfc Tata neu infinity (rupay select) - LTF
9. HDFC PIXAL PLAY (VISA) - LTF
10. HDFC SWIGGY (MASTERCARD) - LTF
11. Axis Neo ( mastercard) - LTF
12. Kotak league (visa) card - LTF
13. Au xcite Ace card (visa) - LTF
14.Indusind legend (visa signature) - LTF
15. IDFC SELECT (MASTER) - LTF
16. IDFC POWER PLUS(RUPAY SELECT)- 499+



Plse suggest me which cards should I permanently close

If it was me, I would have closed:
  • ICICI MMT, Sapphiro, Coral
  • HDFC Business Regalia, Pixel Play
  • Axis Neo
  • AU Xcite Ace
  • Kotak League
  • IDFC Select
 
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